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Please use this identifier to cite or link to this item: http://hdl.handle.net/2262/58481

Title: How are Irish households coping with their mortgage repayments? information from the Survey on Income and Living Conditions
Author: McCarthy, Yvonne
McQuinn, Kieran
Keywords: Mortgages
Household behaviour
Living standards
Issue Date: 2011
Publisher: Economic & Social Research Institute
Citation: McCarthy, Yvonne; McQuinn, Kieran. 'How are Irish households coping with their mortgage repayments? information from the Survey on Income and Living Conditions'. - Economic & Social Review, Vol. 42, No. 1, Spring, 2011, pp71-97, Dublin: Economic & Social Research Institute
Abstract: This paper uses information contained within the Survey on Income and Living Conditions (SILC) to examine the ability of Irish households to sustain their mortgage repayments. We calculate mortgage repayment to income (MRTI) ratios for a representative sample of Irish households and examine the distribution of this ratio across the sample. In particular, we stratify information on marital, work and educational status along with household composition according to this MRTI. We also examine the distribution of information on household mortgages such as the source, the interest rate paid, the age and tenure, and the monthly repayment of the mortgage according to the same ratio. Finally, the distributional implications for the MRTI of a significant unemployment and interest rate shock are also examined.
Description: Policy paper
URI: http://hdl.handle.net/2262/58481
ISSN: 00129984
Appears in Collections:The Economic and Social Review, Vol. 42, No. 1, Spring, 2011
Economic and Social Review Archive: Complete Collection 1969-

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